Thursday, June 30, 2016

Gifted Funds As A Down Payment Option – Mortgages

Yes, Vancouver is the most unaffordable housing market in Canada. But determined home buyers are still trying to get their foot in the door, in order to get in before it’s too late and the lowest rung on that ladder is even further out of reach.

 

The average price for all residential properties in Vancouver is $889,100 ($1.5 million if you want a detached home). And if you want to avoid paying mortgage insurance premiums, you need to come up with 20% as a down payment. For the average consumer, it’ll cost more than 20 years to come up with a down payment, according to a report by Generation Squeeze titled “CODE RED: Rethinking Canadian Housing Policy.”

 

Can’t wait that long? You’d better find some family members who are willing to contribute to your housing fund.

 

Shaun Zipursky, a broker with City Wide mortgage services in Vancouver, says that they’re seeing many more gifted funds than they have in years past, particularly for young professionals.

 

“We’re seeing a lot of clients that are coming in with massive amounts of gifts, six-figure gifts,” Zipursky says. “So families are really trying to help out in keeping their kids in the housing market in the areas that they want to be in.”

 

Showing proof and documentation of gifted funds

 

But even if you are getting a gift in order to buy a home in Vancouver, there are some things that you need to know about a gifted down payment.

The post Gifted Funds As A Down Payment Option – Mortgages appeared first on Gary Wong Realty Vancouver, BC.



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Wednesday, June 29, 2016

S’mores Marshmallow Crispy Treats

S’mores Marshmallow Crispy Treats are a fun twist on a classic dessert. Loads of marshmallows, graham cracker crumbs, and chocolate makes them a simple and delicious dessert for any occasion.

S'mores Marshmallow Crispy Treats are a big bite of sweetness! Soft yet crunchy, they'll become your new favorite!

This is a sponsored post on behalf of Campfire® Marshmallows. All opinions are my own. Thank you for supporting the brands that continue to make My Baking Addiction possible.

If you happened to read my No Bake Frozen Cheesecake post, you know that it’s been scorching hot here in Ohio. And since being hot is one of my least favorite things in the world, I’ve been going the no bake route – a lot.

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Tuesday, June 28, 2016

Destiny of the Republic by Candice Millard

I must confess before I read Destiny of the Republic I knew nothing at all about James Garfield, the second president of the United States to be killed in office.  Shame on me.  I've decided to give myself some homework:  reading books about all of the presidents of the United States.  It's a part of American history that was glossed over in school, and wasn't part of my college education at all.  

Candice Millard is an excellent writer; someone who makes history interesting without "dumbing" it down.  James Garfield was a brilliant man; he was a good man with an incredible intellect and natural curiosity about everything around him.  He came from poverty and was raised by his mother after the tragic death of his father when he was a few years old.  He could have given up early in life, but he didn't.  He was driven to succeed, and had a charisma about him that put him in the White House in 1881--and he was reluctant to be president.  It wasn't his plan at all, but in a time of corrupt government, and lots of people doing favors for one another to the detriment of our politics, he stood out as someone who wouldn't be corrupted.  His assassination united a country that was still fractured 20 years after the Civil war.  

This book is more than just a story about Garfield's presidency and assassination.  It is about his life, his legacy, and that hot, sultry summer he lay dying in the White House.  Garfield suffered horribly for over two months before he succumbed to the infection that ravaged his body.  The kicker is that he would have survived the bullet that struck his back; it was the utter disregard for proper medical treatment, and the arrogance of Dr. D. Bliss in not listening to anyone else, that condemned Garfield.  Toss in Alexander Graham Bell and Joseph Lister, who tried for years to convince doctors in America to practice antiseptic surgery (sterilization of instruments, washing hands) and you've got a compelling read. 

 I won't even start on Charles Guiteau, the man who became obsessed with killing Garfield.  The number of times he crossed paths with Garfield, his wife Lucretia, the Secretary of State, and even the Vice-President sent a shiver down my spine.  It forcefully reminded me of how easy it is to be dismissed by everyone as "harmless" until it's too late.  

Destiny of the Republic  was first published in 2011, so I am a bit late to the game.  But any book you haven't read is a new book.  I loved this tale of "madness, medicine, and the murder of a president".  

Rating:  9/10 for a compelling story of a president who didn't live to fulfill his potential, the dangerous games doctors played with his health, and the country that united together that terrible summer so long ago.  Fascinating stuff. 

Available in paperback, e-book, and audio.  There's also a PBS video about Garfield and the assassination.  

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Troy-Bilt’s New TB4300 Handheld Blower

What’s better than finding a great new gardening tool that saves time and effort as you make the yard and landscape look better? Well how about an entire collection of power tools that make your work go faster and easier… and do it without using gasoline or being tied to a cord and electrical outlet.

That’s the concept behind a new Troy-Bilt CORE line of gardening equipment that I was introduced to at a Saturday6 event in Austin, Texas last March. This product line consists of an assortment of “powered by CORE” equipment such as a string trimmer, handheld blower, and a hedge trimmer that are available now, plus a gasoline and cord-free lawn mower that will be released later this year.

“Powered by CORE” Means More Torque and Longer Run-time

Each CORE device runs on a powerful, interchangeable, lithium-ion batteryTroy-Bolt CORE System
and is designed with an innovative new technology that delivers more power, and a longer run-time than previous generations of battery powered equipment. The secret is not in the battery but the design of the motor itself, which replaces the ordinary copper coils with a high tech circuit board and magnetic rotors to boost performance, efficiency, and torque.

To learn the details on the CORE technology visit the Troy-Bilt website where you’ll find much more information about the design, a new intelligent controller, and the improved efficiency features. I’m going to spend the rest of the time here discussing how the CORE technology actually performed in my backyard and around the house.

Convenience of having the CORE System at Your Fingertips

I spent a few weeks using the TB4300 Handheld Blower before writing this TB4300 Handheld Blowerreview to share my first impressions of it. I selected the blower to review because I thought it would be handy to simply pick it up and start working; without the bother of locating a power outlet or fussing over a cord both before and after the job is done. Then there is the hassle of dragging a cord along as you work, and the frustration of coming to the end of your electrical line before the task is completed.

It has been freeing to use this new Troy-Bilt Blower and never have to touch a cord or a gas can before I put it to use. There’s also no limit to where I can work with it and that mobility is a huge plus if you have tasks to perform away from home, or on a large property where an electrical outlet is not always close by. The result is that I actually use this Handheld Blower around the yard a lot more often than I did with my previous corded variety because of how convenient it is to operate.

Putting the TB4300 Handheld Blower to Many Good Uses

A job that takes two minutes; really takes two minutes and you’re done, whenHandheld Blower and Battery you don’t have to spend another ten minutes looking for the cord and unwinding and rewinding. It may not sound like a big deal but you really notice and appreciate it once you cut the cord! You also won’t spend any time buying gasoline, priming, choking, or pulling a cord in attempts to get it started; just pick it up, pull the trigger, and you’re off and running every time.

Troy-Bilt named this tool a ‘handheld blower” rather than a leaf blower and my experience has proved that to be a thoughtful distinction. I have yet to blow a pile of leaves, but I have found plenty of uses for this handheld blower this spring and summer. Blowing debris off of the deck and patio, sweeping the garage floor, cleaning grass clippings off of the driveway after mowing, and brushing off power equipment before storing, are just a few of the tasks that the TB4300 has sped through around the house. Using it is simple as grabbing a broom, and the work goes by quickly and easily as you’d expect with powered equipment.

Cutting the Cord and Eliminating Gasoline without a Compromise

With all of the uses that you can find for the CORE Handheld Blower you might be wondering if keeping it charged will be a challenge. Well don’t worry; I haven’t had a problem with the battery life at all! In three weeks of moderate use I have charged it twice and did not encounter any tasks that Charger and Batterydepleted the battery charge before the job was completed. There is a lighted indicator that shows you exactly how much battery power is left to work with.

The power of the blower has been more than adequate for me and I have not even needed to engage the power boost mode that is available to increase the air flow. There are many other nice touches and features that I have not seen on previous leaf blowers that I have owned. For example, the power is variable based on how firmly you squeeze the trigger, which gives you more control to deliver a range of light to strong blast of air as required for the job at hand.

Included with the TB4300 Handheld Blower you’ll receive the 40V lithium-ion battery and a 40V Rapid Charger. And since the battery is interchangeable, once you own one tool in the CORE system you can purchase additional bare tools, without the battery and save money. Overall I’m very happy with the new CORE Handheld Blower and wouldn’t hesitate to recommend it or the Troy-Bilt powered by CORE System to my friends.

Disclosure: I am a member of Troy-Bilt’s Saturday6 Program which provides compensation to me, and in the case of product reviews, tools or equipment are provided to me at no cost for the purpose of providing an evaluation and sharing my honest opinions.



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Monday, June 27, 2016

Brookmere by Onni

The Brookmere by Onni, offers a 28 story tower that will rise above West Coquitlam.  Located at 535 North Road, Coquitlam, right in the heart of the new Burquitlam city centre. Brookmere blends Burnaby’s urban vive with the Coquitlam’s neighbourhood spirit.

Brookmere offers several amenities as well including a media room, yoga space, meeting room and 3rd floor outdoor terrace with several garden plots. The media room is a great place to watch movies or the season finale of Game of Thrones.   On the other hand, the yoga space is a great place to exercise in. You can go to the yoga room and carry out yoga to stay fit or you can simply just go there and exercise however you want to.

Another offering of Brookmere is the party room. The party room comes equipped with full kitchen and dining. The full kitchen and dining is offers you an all exclusive access to kitchen appliances. You can easily cook your favorite meals there. On the other hand, the dining is also a great place to go and sit in and have food in. Aside from these amenities, another great offering at the Brookmere is the professional equipped gym. The professional equipped gym allows you to work out the best free of charge. It lets you exercise and keep your health intact.

Brookmere starts at $269,000 and it has a total of 216 units.

brookemere4 brookemere brookemere2 brookermeretower

 

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Sunday, June 26, 2016

Enchanted August Giveaway--Enter to Win!


Here's your chance to win a copy of Enchanted August by Brenda Bowen, for sale the week of July 5th.  I'm 100 pages in and loving it.  Four lost souls spend the month of August at Hopewell Cottage, a lovely summer home on Little Lost Island off the coast of Maine.  Away from their busy lives and problems, each of the four have a chance to reexamine their lives while breathing in the fresh salt air, wandering the island, and finding the magic that lives in Hopewell Cottage.

Contest runs Monday, June 27th through Thursday, June 30th at midnight.  Winner and a review of the book will be posted on Friday, July 1st.

To enter, click below (US residents only, please)
a Rafflecopter giveaway






To wet your appetite, here's an interview with the author, Brenda Bowen:

About the Book: 

It’s an unusually rainy summer in Park Slope, Brooklyn, when Lottie Wilkinson and Rose Arbuthnot spot a battered index card on their children’s preschool bulletin board:

Hopewell Cottage
Little Lost Island, Maine.
Old pretty cottage to rent on a small Maine island.
Springwater, blueberries, sea glass.
August.

Neither of them can afford to take a month away from their spouses and kids, but one look at Hopewell Cottage online and they are smitten. To share expenses, they find two unlikely companions to join them: Caroline Dester, the damaged, beautiful darling of the independent movie scene, and Beverly Fisher, a retiree recovering from a heartbreaking loss. Though they get off to a rocky start, soon the four begin to relax into island life. And, as the sea breeze works its magic, they rediscover the best versions of themselves, and find, to their surprise, that they can indeed be happy, and with the people they least expect.

About the Author: 
Brenda Bowen is a literary agent. She lives in New York, and spends as much of her summer as she can on an island much like Little Lost Island in Maine. ENCHANTED AUGUST is her adult debut.

A Conversation with Brenda Bowen,
author of ENCHANTED AUGUST
(Penguin Books; on-sale July 5, 2016; $16; 9780143108078)

Q:  How did the idea for ENCHANTED AUGUST develop?

In 1991, I saw the movie Enchanted April, which transported me to Italy, a place I love, and made me feel as if life could be very magical indeed, if only for a short while. It wasn’t till the credits rolled on the movie that I realized it had been based on a book, THE ENCHANTED APRIL, by Elizabeth von Arnim. I read the book, fell in love with it; saw the movie again (and again), and loved it more each time. And every time I saw the film or read the story, I felt: “This could be happening now.”

For many years as an editor and publisher and agent, I’ve given authors and artists ideas for books. Usually the ideas are very vague, and the author then takes the idea and makes it into a bona fide story. I was thinking about giving the idea of an updated ENCHANTED APRIL to an author, so I started roughing out a story to see if it could work. Then I kept going. And gong. And now…it’s a book under my own name, which is thrilling indeed.

Q: Your book is based on a 90-year-old novel, which was made into an Oscar-nominated film. Did you feel apprehensive taking on such a well-loved work? What are the differences between your novel and the original ENCHANTED APRIL? Why did you move the story to Maine, and to August?

I didn’t actually feel apprehensive, though in retrospect I should have. THE ENCHANTED APRIL is a bit of a well-kept secret: those who know it tend to adore it; but many do not know it at all. The story seemed to be crying out to be replayed by women (and men) who move in the modern world.

When I started the book, it was called APRIL, ENCHANTED, and it took four bedraggled New Yorkers to an island based on St. Lucia over spring break. I loved the idea of setting the new book in the Caribbean because the colors and fragrances are so strong, as they are in the von Arnim original. But I didn’t really know the place, in my bones, so the manuscript didn’t work at all. Plus, I couldn’t imagine a month-long spring break. I talked to my agent, the wonderful Faith Hamlin, about my dilemma, and proposed to her that I take the characters to Maine, where I’ve spent summers for many years. She said, “Yes, get them up to Maine and leave them there a month, and then send me the manuscript.” So I did.

Q: You seem to have a great affection for Maine. Have you spent a lot of time there? Do you have your own “Hopewell Cottage?”

I do love Maine. I went to Colby College, in Waterville, where I learned to tough it out in wintery, inland Maine. I never even visited the coast of Maine till my last week at Colby, and then, like everyone else, I fell in love with it. A friend of mine has a family cottage on one of Maine’s thousands of islands, and I spent many summers with her there in my twenties and thirties. Then I had a family, and we started renting a cottage of our own. I have my own Hopewell, the place we go year after year, though, like the characters in ENCHANTED AUGUST, it’s only mine to rent. But that’s enough. “My” Hopewell doesn’t have two turrets, but in every other respect it’s as charming, peaceful, evocative, and breathtaking as the cottage in ENCHANTED AUGUST.

Q: Besides THE ENCHANTED APRIL, what were your literary (or non-literary) influences while writing this book?

I’m such a magpie: I steal everything. So I’m influenced by the words and actions of people around me. I just take whatever they say and put it into my stories. I love many of the 19th-century writers: Jane Austen, Charlotte Bronte, E. M. Forster, Henry James, J. M. Barrie.  I’m not crazy about Dickens and I can’t read Trollope (I’ve tried!). I love Philip Roth’s books: they are so different from what I like to write but they are just what I like to read. I am very influenced by movies – screwball comedies in particular. Mistaken identities, mixed signals, tiny lies that turn into big trouble – those are the stories I most adore. I go to the theater as much as I can. I like to hear the sound of stage dialogue: like real life, but heightened. When I get stuck, I read Mary Wesley. 

Q: Could you talk about your writing process? How did you get in the “Little Lost” mindset?

I spent three years writing the first third of ENCHANTED AUGUST, and then – once I had a publisher and a deadline -- six months writing the second two thirds. I do a lot of my writing at the Hungarian Pastry Shop in New York City, where there is no wi-fi and there are no electrical outlets. You can’t go online, and you can only use your computer for as long as it keeps a charge. The computer I wrote the book on only kept a two-hour charge, so I’d write for two hours and then stop, wherever I was. 

When I had to step things up to meet the deadline, I’d do two writing sessions of 40 minutes each in the very early morning before I went to work at 8:30AM. Then I’d write for a half-day on Friday and as much time as I could on Saturday and Sunday. I also spent most of August of last year finishing the novel on my own Little Lost Island.

I generally put on headphones to write. I play birdsong or sounds of the forest or the ocean as my writing soundtrack. When I write a rainy scene, I play a rainstorm on the headphones. I’m always shocked I’m not drenched to the skin when the scene is done. 

Q: You have spent many years in the publishing world. What’s it like being an author, rather than an agent or publisher?

This could be a really REALLY long answer, or a short one, so I’ll go with the short one: I love being an author. As Neil Gaiman says, “I get to make up stories all day and someone pays me.” That is a great thing. I am grateful for every reader, every bookstore owner, every librarian who touches my book. I know what it takes to get a book to market and I am deeply appreciative of everyone who has a hand in it.

Q: What would your perfect summer day look like? If it includes reading, what would you read?

Start on a Maine island. Get up early. Make coffee very quietly so as not to wake up the cottage. Heat up a sticky bun from the farmer’s market; vow to eat only half. Sit on the porch with coffee and sticky bun. Break vow. Watch the water. Pick up a book from the cottage bookshelves and dip in. Go inside and realize three hours have passed.

Put on some clothes, many of which are the same as clothes worn yesterday. Walk to the other side of the island in the sun. Watch the kids play tennis with the olds. Knit a little. Eat something for lunch. Read on the porch: I am very susceptible to the latest summer novel, or else I’m rereading a favorite classic like The Great Gatsby or Vilette (great book; bad title). Or my darling Mary Wesley. Notice there are no more sticky buns; bake a blueberry cake for tomorrow.

Maybe take the boat into town to get groceries. Go to a friend’s cottage to contribute to a communal feast of a dinner, usually involving fresh fish on the grill and always involving vegetables from the garden. Also involving pie. Eat. Talk. Drink. Walk home under the stars with no flashlight, if it’s not too dark. Go to bed early. Get up with the first bird and do it all over again.

Q: Will you write another book about Little Lost Island? 

A lot of readers have asked me that question! Someday I'd like to write a book about Max and Kitty, and their on-again/off-again romance. I love that they're from different worlds but they've grown up together, and the possibility for conflict (and attraction) there. But for now I'm at work on another, very different novel. More on that to come....

Q: If you could have your own Hopewell Cottage who would your ideal houseguests be? They can be living or deceased.

NOTE: Shakespeare would get a whole summer of his own.  

Fellow writers: 
Elizabeth von Arnim
Mary Wesley
Jane Austen, though I fear the journey would tire her
Mary Shelley
Charlotte Bronte
(I’d save Philip Roth for a winter retreat – too bracing for a summer cottage)

In the drinkers’ corner:
Jimmy Joyce 
Dylan Thomas
Richard Burton

So that we’d have some artists to go with the scribblers:
Henri Matisse
Toulouse Lautrec
Rogier van der Weyden
Modigliani

And some photographers to go with the artists:
EJ Bellocq
Weegee
Walker Evans
Dorothea Lange

For my husband: 
Samuel Johnson 

For me: 
Rafa Nadal

Musicians:
Dave Frishberg
George & Ira Gershwin
Fanny & Felix Mendelssohn
Ella Fitzgerald 
Louis Armstrong
João Gilberto

On the grill: Bobby Flay

At the stovetop:
Julia Child
Mrs. Beeton

More writers:
P.G. Wodehouse
Jonathan Ames
Gary Shteyngart
Maria Semple

Hollywood types: 
Billy Wilder
Preston Sturges
Emma Thompson
Richard Curtis
I. Freleng

Around the fire: 
Garrison Keillor
W. B. Years
Ira Glass

Moony poet: Johnny Keats

My New York friends
My island friends, especially the more eccentric
My beloved family

That’s it for one summer.






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Saturday, June 25, 2016

3 Tips to Find Your Stolen Items after a Burglary

Being burglarized is a difficult experience and recovering your stolen goods may seem grim. Luckily, there are several simple things you can do to increase your chances of recovering your stolen property.

Image Source: Flickr

Image Source: Flickr

Below are 3 tips to find your stolen items after a burglary:

Pawn Shop
When a burglar needs to unload his latest haul, his first stop is often the pawn shop, where he can get quick, anonymous cash with no questions asked. It’s such a common move that some pawn shops already work directly with law enforcement through online databases such as Leads Online (another reason to file a police report quickly — these databases cross-reference with the reports, so if you haven’t bothered to call yours in, you’re out of luck). Just in case yours doesn’t, make a sweep as many local shops as you can, and see if they’ve got your stuff in stock. If you find it, don’t point it out — shop owners have money invested in your goods by this point, and might not react well.  Call up your buddies the police and leave it to them. Source: DumbLittleMan

Craigslist
A thief can easily sell your stolen goods online on Craigslist or Ebay, and the buyer would be none the wiser. It’s actually a successful tool for a thief and also an easy source to rake in cash off your property.
Here’s how it works:Enter the type in the make and model into the search field. The search engine crawls all of Craiglist ads to see if anyone is selling something similar to your stolen stuff. Not only does it search your local area, it searches all states and cities. Stolen911.com is an easy way to get stolen property indexed by the major search engines like Google, Yahoo and Bing.
Searching for your stolen property on Craigslist can increase your chance of recovering your stolen items. For example, this woman went on Craigslist and worked with officers to find $6,650 of property stolen from her home. Source: SimpliSafe

Specialized Store
This is more time consuming but depending on the items which were stolen, you may find them in a specialised store.
If your jewellery is missing you may consider visiting jewellery stores in your area that say they “buy gold” or second hand items. Some of these places melt down the items so time is really of the essence.
You can try approaching the shop keeper and asking if items you are missing have been sold to the store in the last 24 hours. If you can provide an accurate description or produce a photo they are more likely to take you seriously.
If you have a strong suspicion a store has bought your stolen items, you should notify the police so they can conduct an investigation. Before approaching these shops make sure to notify police of your intentions so you don’t accidentally interfere with the investigation. Source: Blog.Cammy

Contact:
Mr. Locksmith Calgary
555 Maidstone Drive NE
Calgary, Alberta T2A 4B6
Canada
Phone: (403) 800-9185

The post 3 Tips to Find Your Stolen Items after a Burglary appeared first on Mr Locksmith Calgary.



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